The main feature of the services offered is the consultancy, which, based on the discussions with the client and the information provided by him, we understand the activity and design an insurance program that best meets the client’s protection needs.
An insurance program consists of several insurance lines or may be a single policy that will contain all the insurance lines agreed with the client for the protection by the required insurance company.
The benefits of the insurance program are:
- Has a single insurance period;
- It is negotiated globally with the insurers agreed with the client – unfavorable insurance lines for insurers can be offset by the other components of the insurance program, resulting in a lower damage rate;
- It leads to the best offer, in most cases the negotiation takes place directly in the insurers’ center;
- Enables better planning of payments related to insurance premiums;
- Allows good results in renewal negotiations.
The services offered can be divided into two categories:
- General services (these services are based on a broker’s mandate and do not involve additional insurance costs, commissions added to premiums specified in offers or other additional charges):
- Negotiating insurance offers, presenting a comparative analysis and recommending optimal placement solutions;
- Managing the life insurance program;
- Assistance and advice in case of damage;
- Analyzing the effectiveness of the insurance program, preparing and proposing pre-term renewal solutions.
- Additional services:
- Insurance audit:
- Analyzing the activities carried out and identifying the risks;
- Analysis of the current insurance solutions, recommendations for improvement or their amendment, as the case may be;
- Designing insurance programs in line with the needs of each partner;
- Analysis of existing products on the market in the field of interest of the client and their presentation.
- Representation in case of damage involves the opening, pursuit and liquidation of the claim file to the insurance companies, by designation of a specialized person who, based on the authorization given by the client, will draw up the documents and will take the necessary steps for the liquidation of the damages.
- Insurance audit:
